Travel Health Insurance or Travel Medical Insurance provides coverage to overseas travellers against any medical contingencies or emergency evacuation situations abroad. It is also referred to as international health insurance policy, international medical insurance or worldwide medical insurance policy across the globe.
* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years
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* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years
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* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years
Travel health insurance is a kind of travel insurance policy that is helpful when a medical emergency can occur at any point of the overseas trip. It is no brainer that the cost of healthcare abroad is way more than that in India. If the insured gets hospitalised abroad for something as common as viral fever, it can cause a big dent in the trip budget.
In short, a travel health insurance policy takes care of the insured’s medical expenses, safety and makes sure that he/she travel stress-free. Regardless of the age and whether the insured is travelling for a vacation or business purpose, he/she can buy the best travel medical insurance in India for the trip.
Travel medical insurance is essential for all kinds of travellers, travel health insurance is ideal for people seeking overseas medical coverage only. An overseas traveller should buy a travel health insurance policy only if he/she is not worried about obtaining coverage for travel-related emergencies, such as trip delay, baggage insurance, missed connection flight, etc. In case the traveller is already covered for travel and flight-related adversities, he/she can buy travel health insurance policy online for his/her overseas trip.
Following are some of the key benefits of buying international health insurance policy:
Provides cashless hospitalization facility
Available for occasional travellers and frequent flyers
Offers 24x7 medical assistance
Mostly offers global coverage
Covers individual as well as families
No pre-policy medical check-up for up to 70 years as per the plan
Categories | Specifications |
Trips Covered | International |
Number of Countries Covered | Worldwide |
COVID-19 Cover | Available |
Cashless Treatment | Available |
Claim Assistance | Available |
Broadly, a travel health insurance can be divided into two types based on trip frequency:
If a traveller purchases travel medical insurance for a single trip, then it can be referred to as a Single Trip Travel Health Insurance policy. This type of travel insurance begins with the commencement of the trip and ends as soon as the traveller returns back home.
A Multi-trip Travel Health Insurance policy provides coverage to the insured traveller for multiple trips. This type of medical travel insurance is usually taken for a policy term of one year. However, the duration of each trip is limited to 30/ 45/ 60 days as per the travel insurance company.
On the basis of the destination country, international health insurance plans can be divided into the following types:
Schengen Travel Insurance plans provide coverage to travellers who are visiting one or more Schengen countries. The plan is usually available for trips of less than 90 days.
Non-Schengen Travel Health Insurance plans are available to travellers who are travelling to a non-Schengen country or any country outside the Schengen region. This policy is available for single trips as well as multi-trips.
A travel medical insurance policy or medical travel insurance financially protects overseas travellers against the following adversities:
Any emergency medical expenses that the insured traveller may incur on the treatment of a sudden illness during his/her trip will be covered under the travel medical insurance policy. It will include both daycare treatment expenses as well as hospitalization expenses. Some insurers may also cover pre and post hospitalization expenses up to a fixed number of days.
If the insured meets with an accident during his/her trip, this medical travel insurance policy will bear the treatment expenses. It will also provide compensation in case the insured suffers from any partial or permanent disability due to the accidental injury.
A medical travel insurance policy will come to the rescue of the insured traveller in case he/she needs to be evacuated urgently to a nearby hospital. It will cover the transportation cost involved, i.e. ambulance charges.
If the insured traveller takes any treatment for emergency dental pain relief during his/her trip, then he/she will be covered by the medical travel insurance policy.
If the check-in baggage of the insured is delayed or misplaced by the scheduled airline, the travel insurance provider will reimburse the expenses incurred and provide compensation for the losses incurred.
A handful of travel insurance companies in India also offer other kinds of coverage under travel medical insurance. While some insurers may offer these covers under basic coverage, other travel insurance companies may provide these covers on the payment of an additional premium amount. Take a look at some of the additional covers available under an international health insurance policy:
In case the insured traveller takes medical treatment for any pre-existing diseases or medical conditions, the treatment expenses will be covered by the travel insurance provider under this cover.
If the scheduled flight of the insured traveller gets delayed for more than a specified number of hours, then the insurer will compensate him/her for any losses incurred under the travel health insurance policy.
In case a legal liability is imposed on the insured traveller during his/her trip for causing injuries or damages to a third party, this cover will enable the insurance company to pay compensation on behalf of the insured.
Various public and private insurance companies are rolling out competitive travel health insurance plans with a range of attractive covers. Take a look at some of the leading insurance companies that offer travel health insurance plans in India:
Travel Health Insurance Companies in India | Maximum Entry Age | Key Features |
Aditya Birla Travel Insurance | Not available |
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Bajaj Allianz Travel Insurance | Minimum - 6 months Maximum - 70 years |
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Bharti AXA Travel Insurance | Minimum - 3 months Maximum - 85 years |
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Care Travel Insurance | Minimum - 1 day Maximum - 70 years |
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Chola MS Travel Insurance | Minimum - 3 months Maximum - 85 years |
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Digit Travel Insurance | Minimum - 3 months Maximum - 99 years |
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Future Generali Travel Insurance | Minimum - 6 months Maximum - 80 years |
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IFFCO Tokio Travel Insurance | Minimum - NA Maximum - 60 years |
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National Travel Insurance | Not available |
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New India Travel Insurance | Minimum - 6 months Maximum - 70 years |
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Oriental Travel Insurance | Minimum - 6 months Maximum - 60 years |
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Reliance Travel Insurance | Minimum - 6 months Maximum - 60 years |
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Royal Sundaram Travel Insurance | Minimum - 91 days Maximum - No upper limit |
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SBI Travel Insurance | Minimum - 6 months Maximum - 70 years |
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Shriram Travel Insurance | Minimum - 90 days Maximum - 65 years |
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Star Travel Insurance | Minimum - 6 months Maximum - 70 years |
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Tata AIG Travel Insurance | Minimum - 6 months Maximum - Not available |
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United India Travel Insurance | Minimum - 6 months Maximum - 80 years |
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Universal Sompo Travel Insurance | Minimum - 1 day Maximum - 70 years |
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Most Travel Medical Insurance policies do not cover the following events or situations:
Travelling can be quite uncertain. With the change in climate and exertion involved, the chances of a traveller getting ill increases leaps and bounds. Travel health insurance benefits travellers who unexpectedly fall sick or meet with an accident during their trip. Here are some of the ways through which a travel medical insurance policy can benefit a traveller:
If the insured traveller gets ill or meet with an accident and require hospitalization, his/her travel health insurance policy will cover all the expenses incurred on the treatment. It covers both pre and post hospitalization expenses as well as the cost of transporting the patient to the hospital by reimbursing the ambulance charges. Moreover, travel medical insurance provides compensation if the insured suffers from temporary or permanent disability.
This type of travel medical insurance can turn out to be quite useful if the insured is travelling to a remote area with poor healthcare services. The insurance provider will evacuate the traveller to the nearest hospital in case he/she requires emergency medical assistance.
No matter where a traveller is going and for what purpose, a travel health insurance policy will provide coverage to all kinds of travellers. From individuals to families and senior citizens to students, every traveller can opt for protection under this medical travel insurance policy. Even people who travel frequently to different places abroad are protected under travel medical insurance policy.
A trip can become quite stressful if someone gets ill or injured in an accident. However, people with travel medical insurance can travel without a worry as they are covered for any unforeseen medical emergency under the policy.
A travel health insurance policy can be purchased both online and offline. People who want to buy travel insurance offline can visit the nearest branch of the insurance company or contact one of its agents. People who want to buy travel health insurance online can follow the steps given below:
Prospective travellers can also call the toll-free number of policybazaar.com on 1800-208-8787 to buy the policy. In case of any confusion, they can also write to care@policybazaar.com.
International travel medical insurance refers to travel health insurance plans that cover international trips. It provides coverage to the insured traveller against medical emergencies faced during the overseas trip. Usually, such plans have a greater emphasis on coverage for medical evacuation. Most insurance companies offer international travel medical insurance plans with worldwide coverage.
The claim procedure under the best travel health insurance policy is similar to that of a regular travel insurance policy. Follow the steps given below to register a claim under a Travel Medical Health insurance policy:
Cashless claims can only be made if the insured gets hospitalized at one of the network hospitals of the insurance company. In case of cashless claims, the insurer will settle the bill directly with the network hospital after the treatment is over.
A travel health insurance policy usually comes with the renewability option. In case the insured decides to extend his/her trip and wishes to stay covered against any unforeseen medical expenses, he/she can renew the policy. Just make sure to renew the existing policy before it gets expired.
The insured traveller can renew a travel medical insurance policy both online and offline. Offline policy renewal would need him/her to visit the nearest office of the insurance provider or contact an insurance agent.
People who want to renew their travel health insurance online can follow the steps given below:
It can get very difficult for an individual to select the best travel health insurance plan as there are lots of options available in the market. Therefore, the best way to find the most suitable travel medical insurance is by comparing various plans offered by different insurance companies.
This will help the insured to find an ideal plan for his/her trip, which will provide the best coverage at an economical rate. Anyone can compare different travel health insurance policies online at policybazaar.com.